IBMA

International Bluegrass Music Association

Event & Festival Insurance Program

SteelBridge Insurance Services, in conjunction with the International Bluegrass Music Association, is pleased to offer an Event, Concert and Festival Insurance program just for IBMA members.  This program was designed to meet the unique needs of event and festival producers and contemplate various coverage needs while being affordable and easy to purchase.

Below is an outline of the pricing, coverages and key exclusions.  If at any time you have a question please call us at (888) 647-4777 (or click HERE to send us your question electronically) and a member of our team will be happy to help you.  You can also email us at IBMA@SteelBridgeIns.com.

Note that we also have options available for annual policies and/or for nonprofit associations.

This program is for IBMA members only.  For information on costs & benefits and how to become a member click HERE. (Basic memberships are between $75 & $205 annually)

 

Basic Coverage

Coverage Limits                                                                 
General Aggregate $3,000,000
Products & Completed Operations $1,000,000
Personal & Advertising Injury $1,000,000
Each Occurrence $1,000,000
Property Damage to Rented Premises $300,000
Medical Payments $5,000

Program includes coverage for:

  • Limits are Per Event
  • Blanket Additional Insureds
  • Host Liquor Liability (includes sales of alcohol if no permit is required)
  • Hired & Non Owned Auto Liability
  • Volunteers as Insureds for General Liability
  • No Exclusion for Collapse of Temporary Structures or Stages
  • Medical Payments Coverage extends to Volunteers
Warning: some or all of the above are often excluded on other event policies

 Program Add Ons Available:

  • Higher Limits of Liability
  • Umbrella / Excess Liability
  • Full Liquor Liability
  • Medical Payments up to a $20,000 Limit
  • Leased & Rented Equipment Coverage
  • Coverage for vendors and exhibitors (additional application required)
  • Events of any size can be included however, events with over 20,000 in attendence may require a bit more information to be underwritten

 

Premiums for Basic Coverage


Total Attendees             Premium           
0 - 350 (single day event)      $115
0 - 500 $160
501 - 1,500 $280
1,501 - 3,000 $490
3,001 - 6,000 $910
6,001 - 12,000 $1,570
12,001 - 20,000 $2,610
Over 20,000 inquire about premium
   
Camping Charge $285
   
Vendors (each) $95
   
  • Total Attendees = the total number of of people in attendance per day added up for each day of the event (i.e. estimate the total number of attendees per day of the event and total the numbers)
  • Premium provides coverage for up to 10 consecutive days in addition to set up and tear down
  • Premiums are 100% earned and non-refundable upon payment and issuance of the Proof of Coverage and any requested Certificates of Insurance unless a request is made in writing at least 30 days prior to the event


Key Exclusions

Employment Related Practices Exclusion

Fireworks Exclusion

Abuse, molestation, harassment or improper sexual conduct exclusion

Assault & Battery Exclusion (except if protecting persons or property)

Amusment Devices Exlusion (mechanical rides, jump houses, climbing walls, etc.)